The system is rigged to protect asset holders over fiat income earners. So, invest and HODL!

Asset holders are protected by the system more than income-earners

I started working a little over 20 years ago. My starting salary was about $80k. My starting net worth was about $2k (I had a used car worth maybe $2k).

My salary has barely increased when adjusted for inflation - I now make about $200k, which is a little better than 2x, but not by much. I have been getting pats on the back and 3-4% annual raises for years.

Similar story for my spouse.

We have been gradually accumulating assets, so that our net worth has now reached $4.1M Net assets = $5.5M, net liabilities = $1.4M (mortgage loan at 2.6% fixed rate). The assets consist of home (quite modest but valued at $3M - talk about fiat debasement), stocks, bonds, and Bitcoin. Basically, a little bit of everything.

So, while income has only gone up by only 2.5x, net worth has gone up 2000x.

So, start investing and accumulating different types of assets with whatever your income. The system is designed to protect asset-holders, not fiat income-earners.